FV Function in ONLYOFFICE Spreadsheet Editor: Syntax, Examples and Troubleshooting

• Introduced: The original introduction version and date are not established by the official sources checked.
• Availability: Documented in the current ONLYOFFICE Spreadsheet Editor help; no final working-version endpoint is established.
• Scope: Docs and Desktop Editors release separately. This unversioned help does not establish availability in every older build, mobile client or deployment.
• Checked: October 14, 2026, against the official function reference. Documentation check; not a new native test.

=FV(rate, nper, pmt, [pv], [type])

Defaults: pv=0; type=0 (end of period). Square brackets mark optional inputs; do not type them. The help page does not explicitly enumerate every invalid-input behaviour or native error code.

Rates and signed cash flows: The vendor specifically advises keeping the units of rate and nper consistent and recording money paid out with negative cash-flow signs, money received with positive signs. 6%/12 is a per-month rate for a nominal 6% annual rate with monthly periods; it is not a promise that a lender’s actual interest schedule follows this convention.

1. Open a new blank spreadsheet in ONLYOFFICE Spreadsheet Editor. Select the English formula language, or adapt the formula names/separators to the actual configured locale. Choose a blank sheet.
2. Enter these literal inputs in the stated cells in column B. For entries beginning with =, enter the formula. For negative payments, include the minus sign.
3. Put each worked formula below in a fresh cell such as D2, D3, …; do not overwrite the baseline B-column inputs. Increase displayed decimal places for precision comparisons.
4. Press Enter after each formula or use Formula → Function (the official function-insertion guide describes the Insert Function dialog and Shift+F3). Compare with expected outputs, recording the exact Desktop or Docs/web build and locale when native testing becomes available.

Example scope: Only the formula labeled as using B-cells depends on the preceding baseline. The other examples use explicit literal values and may be entered in any otherwise blank output cell. Formula examples use the vendor’s English, comma-separated syntax; other locale settings may require adaptation, which was not natively tested.

Independent expected results (rounded to six decimal places (half-up)) are provided for every row. These are not screenshots, measured native ONLYOFFICE outputs, or claims of product compatibility in historical builds.

Result interpretation: The answer is a signed monetary amount in the same unit as the payment and balance inputs. Its sign follows the cash-flow viewpoint, not a percentage format.

A monthly savings plan

The baseline uses a 6% nominal annual rate paid monthly (B2=6%/12), 60 deposits of 150 each (B3=60, B4=-150) and no opening deposit. Use =FV(B2,B3,B4) for the predicted accumulated amount. Because a negative deposit is an outflow to the saver, the estimated savings balance is positive. A zero-rate example reduces to the arithmetic sum of deposits.

Beginning versus end of period

=FV(6%/12,60,-150,0,1) models contributions at the start of each month. With type=1 each contribution accrues an extra month’s interest compared with type=0, assuming identical rates and payments. Do not add an extra deposit to compensate: the period timing is already encoded in the fifth argument.

Reconcile with present value

For the baseline with no initial deposit, the full cash-flow inverse is =PV(6%/12,60,-150,FV(6%/12,60,-150),0), with expected result 0 apart from numerical rounding. The negative deposits and positive terminal balance are the two sides of the same model; they are not double-counted. If you include an initial deposit of −2000 in FV, the corresponding full inverse should recover −2000.

To value only the future savings balance as a positive amount today, use =PV(6%/12,60,0,-FV(6%/12,60,-150)). Its expected magnitude is 7758.834113. This second expression excludes periodic payments and discounts the terminal amount alone; label which question the calculation answers.

Financial identity for audit

Let r=rate, n=nper, P=pmt, and V=pv, all signed. For r≠0, define A=((1+r)^n−1)/r. The expected ending value is −[V(1+r)^n+P·A·(1+r·type)]. When r=0, the limiting result is −(V+nP). These are independent cash-flow algebra, not evidence of ONLYOFFICE runtime precision.

Limits of the model: The vendor specifies signed payments and matching periodic units. An estimate does not include taxes, investment fees, inflation or unpredictable returns. The official source is about a calculation function rather than product-specific financial advice. Changing interest rates, fees, taxes, extra or skipped payments, compounding conventions, day-count conventions, and transaction timing may produce different real-world results.

For a time-zero balance or annuity valuation use PV. PMT solves the regular payment rather than the balance. FVSCHEDULE deals with a schedule of rates, not necessarily repeated contributions. See the vendor’s references rather than assuming identical behaviour in other spreadsheet products:

• PV — official ONLYOFFICE financial-function reference.
• PMT — official ONLYOFFICE financial-function reference.
• NPER — official ONLYOFFICE financial-function reference.
• RATE — official ONLYOFFICE financial-function reference.
• FVSCHEDULE — official ONLYOFFICE financial-function reference.

Also consult the ONLYOFFICE Function catalogue and formula-entry instructions and Spreadsheet Editor advanced settings.

The examples use English function names, decimal points and comma argument separators, matching the function-entry guide. Adapt notation to the installed formula-language and region settings. When moving a workbook between products, recalculate the small sample in the destination version before trusting the full model. Display precision is separate from the stored value; retain unrounded intermediate values when reconciling totals.

• ONLYOFFICE FV function reference: purpose, syntax and argument meanings.
• Spreadsheet Editor formula entry: function catalog and English entry syntax.
• Docs release history and Desktop Editors release history: separate product timelines.

• ROUND: choose displayed calculation precision
• IF: validate a worksheet condition